NASB Financial, Inc. — Cyborg Score 5/10

Strategic Profile

The bank serves financial needs by providing personal banking and lending products in the Kansas City metro area, and offers residential and commercial mortgage products on a nationwide basis. The bank is active in mortgage lending, including conventional and non-qualified mortgage (non-QM) products such as 1099 loans, bank statement loans, and DSCR loans.

Cyborg Score Rationale

Earnings have declined by 31.3% per year over past 5 years with an unstable dividend track record. NASB underperformed both the US Banks industry (which returned 21.9%) and US Market (which returned 13.7%) over the past year. However, the bank maintains a niche in specialized mortgage products.

Top Insights

• The company delisted from Nasdaq in 2014 but continues to publish financial disclosures on OTCQX.
• NASB operates ten branches in the Kansas City and St. Joseph, Missouri metro areas and has a '5 Stars' rating from Bauer Financial.
• The bank has been recognized in national rankings for its work with self-employed borrowers and non-traditional mortgage lending.
• NASB is covered by zero analysts with no analyst estimates of revenue or earnings available.

Named Competitors

• Community Banking Services — Traditional community banking in Kansas City metro
• Mortgage Lending — Conventional and specialty mortgage products

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